Toyota Highlander 4WD Insurance Rates

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Average auto insurance rates for a Toyota Highlander 4WD are $1,338 annually with full coverage. Comprehensive insurance costs on average $340, collision costs $476, and liability insurance costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing $2,848 or more. Teen drivers receive the highest rates at $4,846 a year or more.

Annual premium for full coverage: $1,338

Rate estimates by type of coverage:

Comprehensive $340
Collision $476
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Toyota Highlander Trim Level

Using a 40-year-old driver as an example, prices go from as cheap as $430 for the bare minimum liability coverage to the much higher price of $2,848 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,338
High Risk $2,848

These differences demonstrate why everyone should compare prices based on a specific location and their own personal driving habits, rather than relying on price averages.

Use the form below to get rates for your location.

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Auto insurance rates for a Toyota Highlander 4WD can also vary considerably based on the model year of your Highlander, your driving record, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Prices are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Toyota Highlander 4WD insurance for high-risk drivers can be anywhere from 43% to 126% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $550 each year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Toyota Highlander 4WD insurance rates. A driver around age 40 might see prices as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

With so much variability in prices, the best way to find out exactly what you will pay is to regularly compare prices from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates can be significantly different between companies.

View Chart as Image

Toyota Highlander 4WD insurance cost comparison chart
Column chart showing Toyota Highlander 4WD insurance prices range from $788 to $4,846 for full coverage

The chart above shows Toyota Highlander 4WD insurance prices for different situations. The lowest price with discounts is $788. Drivers who choose higher $1,000 deductibles will pay about $1,152. The average price for a 40-year-old male driver using $500 deductibles is $1,338. Selecting more expensive $100 deductibles for comp and collision coverage could cost up to $1,694. High risk drivers could be charged as much as $2,848. The rate for full coverage for a teen driver can be as high as $4,846.

Toyota Highlander 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,210 -$128 -9.6%
Alaska $1,028 -$310 -23.2%
Arizona $1,112 -$226 -16.9%
Arkansas $1,338 -$0 0.0%
California $1,526 $188 14.1%
Colorado $1,282 -$56 -4.2%
Connecticut $1,378 $40 3.0%
Delaware $1,518 $180 13.5%
Florida $1,676 $338 25.3%
Georgia $1,236 -$102 -7.6%
Hawaii $962 -$376 -28.1%
Idaho $904 -$434 -32.4%
Illinois $998 -$340 -25.4%
Indiana $1,008 -$330 -24.7%
Iowa $904 -$434 -32.4%
Kansas $1,274 -$64 -4.8%
Kentucky $1,826 $488 36.5%
Louisiana $1,982 $644 48.1%
Maine $826 -$512 -38.3%
Maryland $1,104 -$234 -17.5%
Massachusetts $1,070 -$268 -20.0%
Michigan $2,328 $990 74.0%
Minnesota $1,122 -$216 -16.1%
Mississippi $1,604 $266 19.9%
Missouri $1,188 -$150 -11.2%
Montana $1,438 $100 7.5%
Nebraska $1,056 -$282 -21.1%
Nevada $1,606 $268 20.0%
New Hampshire $966 -$372 -27.8%
New Jersey $1,496 $158 11.8%
New Mexico $1,186 -$152 -11.4%
New York $1,410 $72 5.4%
North Carolina $772 -$566 -42.3%
North Dakota $1,096 -$242 -18.1%
Ohio $922 -$416 -31.1%
Oklahoma $1,378 $40 3.0%
Oregon $1,226 -$112 -8.4%
Pennsylvania $1,276 -$62 -4.6%
Rhode Island $1,786 $448 33.5%
South Carolina $1,214 -$124 -9.3%
South Dakota $1,130 -$208 -15.5%
Tennessee $1,174 -$164 -12.3%
Texas $1,614 $276 20.6%
Utah $992 -$346 -25.9%
Vermont $916 -$422 -31.5%
Virginia $802 -$536 -40.1%
Washington $1,034 -$304 -22.7%
West Virginia $1,228 -$110 -8.2%
Wisconsin $928 -$410 -30.6%
Wyoming $1,194 -$144 -10.8%

View Chart as Image

Toyota Highlander 4WD insurance rates by U.S. city

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Rates by Driver Age

Toyota Highlander 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,846
20 $3,022
30 $1,398
40 $1,338
50 $1,218
60 $1,192

Full coverage, $500 deductibles

Rates by Deductible

Toyota Highlander 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,694
$250 $1,532
$500 $1,338
$1,000 $1,152

Full coverage, driver age 40

Rates by Liability Limit

Toyota Highlander 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,338
50/100 $1,411
100/300 $1,502
250/500 $1,738
100 CSL $1,447
300 CSL $1,647
500 CSL $1,793

Full coverage, driver age 40

Rates for High Risk Drivers

Toyota Highlander 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,902
20 $4,786
30 $2,916
40 $2,848
50 $2,714
60 $2,684

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $176

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $71
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $94
5-yr Claim Free $84
Paid in Full/EFT $59
Advance Quote $63
Online Quote $94
Total Discounts $550
Rate after discounts $788

Discounts are estimated and may not be available from every company or in every state.

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